Job Title

Associate Underwriter - Commerical Auto Underwriting Waterloo, ON, Canada Job Description Posted Wednesday, January 14, 2026 at 5:00 AM At Heartland Mutual Insurance, were more than just a company were a community. Proudly rooted in Ontario and Nova Scotia, were driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesnt just follow the norm we challenge it. We think differently, aim high, and deliver on our promise with a personal touch. Here, youll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first. What youll do Work within defined limits of authority, consistently provide high quality decisions that support the achievement of Heartland financial targets in accordance with the operational plan. Identify positive and negative trends in new business submissions being received and communicate findings to management. Support underwriting operations by reviewing and preparing policy transactions for issuance by Senior Underwriters. Order inspections, or other underwriting information for use in the analysis of critical risk hazards and decision making. Product and Pricing Management Grasp and understand Heartlands market strategies and ensure those strategies are effectively implemented on a day-to-day basis. Use front-line knowledge of the marketplace to assist management in the development of products, pricing and services that support our corporate market positioning strategies. Provide management with product & service initiatives being provided by our competitors Stakeholder Relationship Management Provide underwriting support of the Heartland value proposition of exemplary customer experience through the ongoing development of relationships with key stakeholders. Develop and maintain strong stakeholder relationships through personal accountability and high-quality decision making. Form effective relationships with customers, competitors and business partners as necessary to capitalize on target market segments. Corporate Governance/Regulator Compliance Uphold corporate governance and regulatory compliance policies and procedures. Ensure that day-to-day underwriting practices conform to legal, regulatory, compliancy and privacy obligations as required within the regulatory environment. Demonstrates awareness of underwritings legal and regulatory environment Responsibilities Assist in logging new farm & commercial submissions and setting up new accounts in the policy administration system. Assist in farm & commercial renewal and endorsement preparation including requesting supporting documents from brokers. Assist with the ordering and processing of loss prevention inspection reports. Monitor and prioritize incoming broker requests and respond on behalf of underwriting. Participate in training and development initiatives to constantly enhance the quality of decision making; Underwrite low complexity renewals and policy endorsements. What youll bring... 1 to 3 years of experience in the insurance industry or a graduate of an insurance specific college/university program. Post-secondary education, or working towards CIP designation Excellent time management skills with ability to prioritize varying requests. You are a skilled communicator who can adapt your approach to your audience. You are an enthusiastic learner who thrives within a team or independently. Effective communication and interpersonal skills, both written and verbal. The salary range for this role is $50,000 - $60,555. The salary for the successful candidate will be determined by various factors including but not limited to an individuals relevant experience, knowledge, skills, along with internal equity, and market considerations. Whats in it for You: A Supportive Team: Were not just a workplace, were a community. We are small but mighty, we believe in the power of connection, purpose, and belonging. Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more. Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging. Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments. Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise. This job posting is for an existing vacancy within Heartland. Accommodation is available on request for candidates taking part in all aspects of the selection process. We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency. At Heartland Mutual Insurance, youre empowered to thrive. Whether its your career, your well-being, or your future, we''ve got you covered. #J-18808-Ljbffr